The auto insurance market is vast and highly competitive. Not easy for vehicle owners to make a choice among all the offers. Beyond the price of the insurance contribution, several parameters must be considered. We help you in this article to decipher the guarantee grids to choose your auto insurance online.
What is good car insurance online?
The best auto insurance is first and foremost the one that perfectly suits your driver profile and your vehicle:
- Your age
- Your number of years of driving license (the young driver profile has an impact on the price of car insurance with a young license surcharge)
- Your claims experience (have you had any claims in the past 5 years?)
- Your bonus-malus coefficient
- Number of kilometers traveled per year (there are cheaper kilometer insurance formulas for small riders)
- The use of the vehicle (professional or personal trip)
- Place of garage of your car
- Age of the vehicle and its fiscal horsepower
All of these parameters will influence the price of your auto premium. It is therefore essential to identify them correctly to find good car insurance.
Good to know: your place of residence also influences the price of insurance. Thus, it is more expensive to insure your vehicle in certain regions or in certain cities.
How to compare auto insurance?
Faced with very strong competition in car insurance, it is essential to make a comparison of the different offers. For this, we advise you to make several quotes online in order to analyze the offers of insurers. Once you have obtained your quotes, you should pay attention to some points:
- The price of the contribution: this is of course one of the first criteria that the insured retain. It is important to compare carefully for the same level of guarantee.
- The level of coverage: it directly influences the price of your car insurance. Generally, insurers offer 3 levels of cover: third-party auto insurance, intermediate auto insurance and all-risk insurance.
- Warranty exclusions: this concerns damage and claims not covered by your contract and clearly explained.
- Deductibles: these correspond to the amount that remains your responsibility after a claim. Most insurers offer different levels of deductible, and even contracts without deductible.
- Optional guarantees: 0 km breakdown assistance, glass breakage without deductible, replacement vehicle, etc.
- Waiting periods at the subscription of the contract
- Commercial offers: insurers often offer 1 or 2 months free after subscription. Be careful, however, to carefully analyze the contract before letting yourself be tempted by such a reduction.
- Online customer service: you can consult consumer reviews to get an idea of the quality of service.
SERVICE >> I compare the contracts to insure my car according to the deductible
How to buy car insurance online?
There are various 100% online insurance companies such as Ornikar, Lovys or Leocare. However, other physical insurers have diversified their offers and also offer 100% digital underwriting such as Direct Assurance, Macif, Olivier Assurance, etc.
After having made your quotes and analyzed the offers in detail, you can then choose your car insurance online. To take out a car contract online, nothing could be easier,
- you ask to be contacted by the insurer following the quote sent
- you finalize directly on the insurer’s website
In addition to your personal information transmitted during your quote request, other documents will be requested. Just download them and send them via the subscription area:
- A copy of your gray card
- A copy of your driving license
- A copy of your ID
- The information statement if you were already insured with another company
